{"id":4075,"date":"2023-11-30T09:43:34","date_gmt":"2023-11-30T09:43:34","guid":{"rendered":"https:\/\/seybold-report.com\/?page_id=4075"},"modified":"2023-11-30T09:48:06","modified_gmt":"2023-11-30T09:48:06","slug":"nhung301-2","status":"publish","type":"page","link":"https:\/\/seybold-report.com\/index.php\/nhung301-2\/","title":{"rendered":"NHUNG301"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"4075\" class=\"elementor elementor-4075\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7432564 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7432564\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c639a24\" data-id=\"c639a24\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7ec8664 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7ec8664\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-271b4ab\" data-id=\"271b4ab\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a7b207f elementor-widget elementor-widget-text-editor\" data-id=\"a7b207f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.18.0 - 20-12-2023 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<h5><strong>TITLE:\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0<\/strong><\/h5><h5><a href=\"https:\/\/seybold-report.com\/\"><strong>The impact of credit appraisal on lending efficiency of Vietnamese commercial banks<\/strong><\/a><\/h5><p><strong>AUTHORS:\u00a0 \u00a0 \u00a0<\/strong><\/p><p><strong>VU CAM NHUNG, LUU PHUOC VEN<\/strong><\/p><p><strong>DOI<\/strong>:<a href=\"https:\/\/doi-ojs.org\/10-5110-77-1080\/\">\u00a0 10.5110\/77. 1080\u00a0 \u00a0 \u00a0<\/a> \u00a0 \u00a0 \u00a0 \u00a0 \u00a0<strong>Page:\u00a0 \u00a005-22<\/strong>\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0<strong>\u00a0Vol:<\/strong> 18\u00a0 \u00a0 <strong>Issue:<\/strong> 10\u00a0 \u00a0<strong>Year:<\/strong> 2023<\/p><p><img decoding=\"async\" class=\"alignnone wp-image-3235\" src=\"https:\/\/seybold-report.com\/wp-content\/uploads\/2023\/10\/creative-commons-cc-character-785334-300x300.png\" alt=\"creative commons, cc, character-785334.jpg\" width=\"26\" height=\"26\" srcset=\"https:\/\/seybold-report.com\/wp-content\/uploads\/2023\/10\/creative-commons-cc-character-785334-300x300.png 300w, https:\/\/seybold-report.com\/wp-content\/uploads\/2023\/10\/creative-commons-cc-character-785334-1022x1024.png 1022w, https:\/\/seybold-report.com\/wp-content\/uploads\/2023\/10\/creative-commons-cc-character-785334-150x150.png 150w, https:\/\/seybold-report.com\/wp-content\/uploads\/2023\/10\/creative-commons-cc-character-785334-768x769.png 768w, https:\/\/seybold-report.com\/wp-content\/uploads\/2023\/10\/creative-commons-cc-character-785334.png 1278w\" sizes=\"(max-width: 26px) 100vw, 26px\" \/>\u00a0 \u00a0<img decoding=\"async\" class=\"alignnone size-medium wp-image-1242\" src=\"https:\/\/seybold-report.com\/wp-content\/uploads\/2023\/06\/kjk-e1687889230616-300x14.png\" alt=\"\" width=\"300\" height=\"14\" srcset=\"https:\/\/seybold-report.com\/wp-content\/uploads\/2023\/06\/kjk-e1687889230616-300x14.png 300w, https:\/\/seybold-report.com\/wp-content\/uploads\/2023\/06\/kjk-e1687889230616-768x36.png 768w, https:\/\/seybold-report.com\/wp-content\/uploads\/2023\/06\/kjk-e1687889230616.png 900w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/p><p><strong>ABSTRACT<\/strong><\/p><p>Commercial banks play a very important role in the economic growth of nations, in which lending is the largest source of income for banks but they face the risk of default from borrowers. This indicates credit appraisal plays a very important role in reducing non-performing loan and increasing the efficiency of banks&#8217; lending activities. \u00a0However, there are no studies focusing on the influence of appraisal on the loan performance of Vietnam commercial banks. This study aims to evaluate the impact of credit appraisal on the lending efficiency of Vietnamese commercial banks, explicitly assessing six factors including borrower&#8217;s character, capacity, capital, purpose of the loan, collateral and conditions for lending efficiency. The primary data was collected from the heads of the customer relations department, individual customer relation officers, corporate customer relation officers, credit appraisers and debt collection managers of 31 Vietnamese commercial banks with 540 questionnaires. The Statistical Software Package for Science Society (SPSS) software was used for data analysis and the research findings presented using frequency and percentage tables. Regression coefficients show that there is only one negative factor which is the purpose of the loan, the remaining five factors have a positive influence on lending efficiency: the borrower&#8217;s character, capacity, capital source, purpose of using the loan, collateral, and other conditions. The study recommends that banks should conduct thorough credit appraisal before lending because this helps improve their profitability by reducing non-performing loan.<\/p><p><strong>Keywords:<\/strong><\/p><p>Credit appraisal; Lending efficiency; Vietnam commercial banks<\/p><p><a href=\"#\"><strong>Received<\/strong>:<\/a> 09 November 2023<\/p><p><a href=\"#\"><strong>Accepted:<\/strong><\/a> 24 November 2023<\/p><p><a href=\"#\"> <strong>Published:<\/strong><\/a> 01 December 2023<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-730d5be elementor-widget elementor-widget-button\" data-id=\"730d5be\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"https:\/\/seybold-report.com\/wp-content\/uploads\/2023\/11\/NHUNG301.pdf\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon elementor-align-icon-left\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-file-pdf\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"elementor-button-text\">PDF<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c09b5b0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c09b5b0\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5dc5b78\" data-id=\"5dc5b78\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ecdb6d7 elementor-widget elementor-widget-image\" data-id=\"ecdb6d7\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.18.0 - 20-12-2023 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/seybold-report.com\/wp-content\/uploads\/2023\/07\/ddds-e1688811920951-150x150.jpg\" class=\"attachment-thumbnail size-thumbnail wp-image-2318\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>TITLE:\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 The impact of credit appraisal on lending efficiency of Vietnamese commercial banks AUTHORS:\u00a0 \u00a0 \u00a0 VU CAM NHUNG, LUU PHUOC VEN DOI:\u00a0 10.5110\/77. 1080\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0Page:\u00a0 \u00a005-22\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0\u00a0Vol: 18\u00a0 \u00a0 Issue: 10\u00a0 \u00a0Year: 2023 \u00a0 \u00a0 ABSTRACT Commercial &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/seybold-report.com\/index.php\/nhung301-2\/\"> <span class=\"screen-reader-text\">NHUNG301<\/span> Read More &raquo;<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","footnotes":""},"class_list":["post-4075","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.7 - 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